We’re Capital on Tap 👋
💳 Capital on Tap was founded with the mission to help small business owners and make their lives easier. Today, we provide an all-in-one business credit card & spend management platform that helps business owners save time and money. Capital on Tap proudly serves over 200,000 businesses across the world and our goal is to help 1 million small businesses by 2030.
Why Join Us?
We empower you to be innovative and solve complex problems. Take ownership, make an impact, and thrive in our scaling and agile environment.🏡🏢This is a Hybrid role, the Decisioning team work from our London (Shoreditch) Offices 2 days per week (if you require further flexibility please let us know).
Decisioning at Capital on Tap
The Decisioning Team owns the credit decision platform (GDS Link) at Capital on Tap, where customer flows, policy rules, and scorecards are implemented. The Decisioning team works closely with Data Science, Credit Underwriting, Business Operations, and Engineering teams to understand what implementations and updates are needed to ensure we make the correct decisions for new credit applications.
What You’ll Be Doing
As a Senior Decision Systems Analyst, you’ll implement and update customer flows, policy rules, and scorecards, as well as test and maintain our decision platform. You’ll also find ways to optimise our underwriting and credit decisioning by utilising new data, data sources, and strategies. In your role you will:✨Conduct analysis to understand portfolio performance✨Build out monitoring for automated decisioning✨Work with the wider IT & Engineering teams to ensure we have robust data to support our underwriting✨Support the Credit and Data Science teams with strategic projects, for example, the implementation of a new scorecard or pilot✨Regularly review and update underwriting rules to ensure they align with business objectives, regulatory requirements, and industry best practices
We're Looking For✨
Good knowledge of scripting - experience with LUA, Python, or Ruby would be preferred✨Experience in software configuration or experience working with "Decision" or "Rule" Engines such as GDS Link, Experian PowerCurve, FICO Blaze, or Provenir✨Knowledge of database structures such as SQL or MongoDB✨Experience of network protocols (either SOAP or REST)
Diversity & Inclusion 🌈
We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.
Great Work Deserves Great Perks
We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:🏥 Private Healthcare including dental and opticians services through Vitality✈️ Worldwide travel insurance through Vitality🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)👛 Salary Sacrifice Pension Scheme up to 7% match🏖️ 28 days holiday (plus bank holidays)📖 Annual Learning and Wellbeing Budget👪 Enhanced Parental Leave🚲 Cycle to Work Scheme🚂 Season Ticket Loan💬 6 free therapy sessions per year🐶 Dog Friendly Offices🍫 Free drinks and snacks in our officesCheck out more of our benefits, values and mission here.
Other Useful Info
🤝Interview Process:🤝First stage: 30 minute intro and values call with Talent Partner (Video call)🤝Second stage: 30 minute CV overview with Team Manager (Video call)🤝Final stage: 45/60 minute case study (nothing to prepare in advance) with Team Manager and Analyst. This will be followed by a 20/30 minute technical chat with a senior team member. (In person, on the same day)
Other Info
👍Check out our ‘Top Tips’ for interviewing.✔️Keep updated on new job opportunities by following us on Linkedin.📧Email careers@capitalontap.com if you have any questions.
Excited to work here? Apply!
If you’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)
